Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$38,759Cash toward the purchase price.
Closing costs + prepaids$11,718Not just lender fees.
Before credits & paid funds$50,477The complete starting cash picture.
Estimated remaining funds due at closing
$50,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,759.11
Your down payment$38,759.11
Closing costs + prepaids$11,718.05
Total buyer cash needed$50,477.16
Remaining funds due$50,477.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,431.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,117.75
Prepaid interest, first (30 days)$701.09
Fees + prepaids$11,718.05
Your down payment is the seller’s equity. You take over the $286,241 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $50,477.16 is due at closing. Uses and sources reconcile at $336,718.05 each. Not a Closing Disclosure.